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How to keep your car looking brand new

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Every car owner knows how to wash and wax their cars every now and then to give it a shiny finish, and even an occasional vacuuming for clean freaks who want their car to be spick and span. However, it’s one thing to keep your car clean, and another to ensure that it looks brand new. There are plenty more steps you can take to ensure that your car maintains at tip-top condition, regardless of whether you are planning to sell it in the near future or you basically just prefer having a brand new looking car for your family and occasional colleague passengers. We have come up with a few things that you can do to keep your car looking sleek and sharp as ever, here’s how:

1.       Prevention is the best cure

Before your car starts to dwindle in its appearance, you need to keep it maintained from the first day. With so many car cleaning products in the market, there is no excuse for you to leave your car in the dirt for days. A pro tip to ensuring that your car is at its best condition at all times is to do a quick cleaning after parking your car each day. Spray on a little waterless wash product and clean your car real quick. It only takes you about a couple of minutes a day and the effects are absolutely long-lasting and effective. Another way to upkeep the appearance of your car is by constantly checking on the various parts and making sure that they are well maintained. For instance, one part that is often neglected is the wheel bearing hub which will affect the overall look of your car. If you notice that your wheel bearing hubs are starting to lose their shine, fret not for there are plenty of low price wheel bearing hub assembly options out there; along with other car part assembly choices as well!

2.       Maintain the interior

While most are concerned with the outer appearance of the vehicle, its interior is important too! Especially for convertibles with a detached roof that allows a lot of dirt and grime to get into the car, every car has to be well maintained on the inside as well; to avoid your leather peeling and being worn out. With just a few sprays from an interior spray detailer, you can keep the inner linings of your seats looking brand new. A tip is to pay more attention to leather and vinyl seating surfaces as they are more delicate and more prone to scarrings and filth. Abrasive particles can easily get onto these surfaces and damage your linings if you do not pay attention to it. Do frequent wipe downs of your seats before the dust collection gets too stubborn and damages your cabin.

3.       Using a towel

While it may be second nature to spray cleaning products onto the hood or seat of your car, you should always spray it on a towel or applicator to make the work more effective. The towel soaks in the product, preventing the overuse of such products which can damage your car in the long run. Furthermore, spraying on a particular surface may cause some extra disinfectant products to get on other materials and damage the surface as well. So the bottom line is to stay smart and always use a towel.

4.       Do not always handwash

Contrary to popular belief, handwashing your car does not always result in less damage compared to sending your car to a proper car washing service. Though car owners may worry that industrial car washers will cause scratches on the car, there is a higher chance of that happening if you handwash your own car with low-grade equipment. Old sponges and towels that have collected a great deal of grime may damage your car’s surface as well. Hence, it is recommended to either purchase a microfiber wash mitt and proper car soap for your precious vehicle, or send it to the professionals to get the job done for you.

5.       Polishing alone is not enough

While some may tell you that frequently polishing your car will help to maintain the shine of your vehicle, preparing the coat of paint of your car is equally as essential. Think about it this way: a wall with dents, holes, and chipped off paint will not be made brand new with even the highest quality of paint — it requires fixing the wall first before you apply anything onto it. The same applies to your car — it is best to get rid of all the dirt and contaminants on your car’s surface first before you start polishing it in order to really get that bright and radiant shine. So make sure that your car is well cleansed before you go ahead and polish your vehicle up.

6.       Opt to use a clay bar

Instead of using a traditional towel or sponge, car owners should jump straight to the holy grail of cleaning cars — a clay bar. Clay bars are highly effective in its speed and efficiency when it comes to getting rid of accumulated dirt and grime off the surface of your car, allowing polish and paint to adhere to your car properly. Clay bars work wonders, and far more so than your traditional towel and sponge. Though it has been around for decades, car owners are still unaware of this powerful tool that can do some real magic to your car.

7.       Wax or polish

As you walk down the aisle of your nearby auto-parts stores, you may be tempted to purchase both wax and polish to bring back that radiant glow of your car. However, you do not need both — so just pick one. This could save you a lot of extra time and money since they are designed to do the exact same thing.

8.       Do not use too much product

When you are applying the final layer of product onto your car, remember that using too much product will not give the additional protection or disinfectant properties as compared to the amount you should use as recommended on the product itself. Using more product will not only force you to waste more time and effort, but it will also make you spend more money to consistently replenish your products. Putting on too thick a layer will make it harder for your car to dry off, and possibly leave behind unpleasant marks if it does not dry off properly.

Conclusion

These are some methods that you can employ to keep your vehicle looking as sharp as possible. However, a tip is to consistently clean your car, as one good and thorough cleaning after three years of no washing at all will not help your car much in its appearance. Making a point to wash your car and giving it a thorough rub down will help make the world of a difference. A little really does go a long way!

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Finance

The various ways you can buy gold

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Gold is usually valued as a commodity, currency, and investment for many years. This is why it’s still popular nowadays among investors because you can use gold as a hedge against inflation, currency devaluation, or deflation.

And, because of its ability to give you financial protection during times of economic uncertainty, it can be a good idea to invest in physical gold. Keep in mind that the gold market can be quite liquid and there are various ways in which you can gain exposure to gold including gold bars and coins. This page discusses the various ways you can buy gold.

Physical gold

Physical gold can offer you a direct exposure to gold. When gold is in bulk form, it’s called a bullion, and it can be minted into gold coins or cast into bars. The value of a gold bullion is usually based on its purity and mass rather than the monetary face value. Remember that if gold coins are issued with the monetary face value, the market value still depends on its fine gold content.

You can purchase physical gold from private mints, government mints, jewelers, and precious metal dealers. Because different gold sellers can give the same gold at different prices, it’s crucial for you to do research so that you can find the ideal deal. When you buy physical gold, you need to pay the full price.

Physical gold ownership can involve several costs like the insurance costs, storage costs, transaction fees, and markups related to purchasing and selling the commodity. Also, there can sometimes come with the processing fees as well as a small lot fees, especially if you are making small purchases. Collectively these costs cannot be that significant to affect you when you decide to invest a small portion of your portfolio in gold, but they can also be overwhelming if you want to have a large exposure. Check https://goldtrends.net/gold-ira-companies/ before you invest in gold.

Gold EFTs

EFTs are not like physical gold because you can buy them like shares on any stock exchange. The good thing about EFTs is that it allows you to get access to gold and you can avoid some costs like storage costs, markups, and many more. However, you should expect that you can lose a certain percentage of your investment’s value to the expense ratio of the fund. An expense ratio refers to the recurring annual fee that is charged to the funds to pay for administrative costs and management expenses. As a result, it’s always a good idea to weigh your options when it comes to choosing gold EFTs or having a gold IRA.

It’s also important to note that you need to pay a commission when you decide to purchase and sell an EFT. Many online commissions are usually affordable, but they can always add up if you happen to be an active trader. Besides, most brokers usually charge a high commission, especially for broker-assisted trades, special order types, and automated phone orders. To address the cost concerns that come with EFTs, some brokers are now giving commission-free online trading for some type of EFTs.

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How to ensure your Canadian public documents will be recognized in the EU?

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If you are moving to the EU for work or educational purposes, or you want to live there for a long time and you plan on using your Canadian public documents in different countries throughout the European Union, you must first go through a process so these documents are recognized in the EU. In Canada, this process is called Document Authentication and Legalization, however, others call it Attestation. Before going abroad, you might consider asking a professional company that handles document authentication Canada to help you out with the requirements needed, especially if time isn’t on your side.

Although you can organize the legalization of your documents yourself, if this is your first time authorizing these documents, it might take up a lot of your time and energy. Reputable agents can help speed up the process, so you can get on with the rest of your tasks before your travel to the EU.

What Business Documents do you need to Have Legalized Before entering the EU?

If you want to get your documents authenticated in Canada, you have to get the Department of Foreign Trade and International Affairs to stamp each document. If you are traveling to the EU for business, you might need to get the following documents authenticated:

  • Certificate of export
  • Shipping Document
  • Corporate documents that can be used while in the EU
  • Commercial invoice
  • Certificate of free sale
  • Pharmaceutical certificate
  • Distributorship Agreements

If you travel to the EU without these documents in order, you might find it difficult to carry out the work you had planned. Expect the European Union authorities to inspect these documents thoroughly. If you decide to go it alone instead of hiring an agent to help you out, make sure that you have plenty of time because a lot of these documents can take a long time to get legalized.

Personal Documentation

Although you won’t need these documents if you want to travel to the EU, if you plan on staying there for an extended period, you might need them at some stage. For these files to be recognized throughout the EU, you will need them authenticated. Here are a few examples of the documents you will want to get authorized before you hop on the plane:

If you arrive in the EU without this documentation authenticated, trying to get them recognized in the EU won’t be easy. To make sure your time in the EU goes smoothly, you should make sure that everything is finalized in Canada first.

Travelling to the EU during the Pandemic

Since the outbreak of Covid-19, a lot of areas around Europe have enforced quarantines on those entering from Canada. Each country has its own rules, so before you jet off, find out what the current situation is like. These Covid-19 regulations normally depend on the current situation in Canada, and most embassies will post details on their official website. If you can’t see them on their website, consider making direct contact with the embassy’s officials. Keep in mind that these rules are subject to change, so you should find out the details before you travel.

If you are fully vaccinated, you should have no problems getting into most countries throughout the EU. However, the EU doesn’t recognize every vaccine, even some that are approved by the WHO.

Most of the European countries are accepting fully vaccinated Canadians, but they will ask to see your proof of vaccination. Make sure you bring your travel health certificates with you, as they will show the dates when you received your first and last vaccination. If you haven’t received your vaccinations, then you might be allowed to enter without going into quarantine if you have already had the virus, as long as you have your PCR test completed.

What is the Visa situation for Canadian’s wanting to go to Europe?

At the moment, as long as you have your Covid-19 documents prepared and a valid Canadian passport with at least three blank pages, Canadians should have no issues entering the EU. However, this is going to change in the near future. From the beginning of 2023, Canadians who wish to go on a vacation or plan on working in the EU will have to apply for a travel pass. If you want to enter all the countries in the Schengen Area, you will need to apply for this travel pass online first. This pass is known as the European Travel Information and Authorization System (ETIAS). This electronic scheme was made so the EU can keep track of those travelling around the EU. Canada already has a similar system in place known as the Canadian Electronic Travel Authorization.

You must apply for this before your travel to the EU, but until then, you can still enter with a valid passport. A lot of folks misunderstood the new process and thought it was going to start in early 2021, but the EU released a press release to explain that the changes will be enforced in 2023. However, this isn’t a visa that grants people access to the EU.

What is the Legalization of a Document?

Authentication or legalization of a document that is issued in Canada is a process that will verify, prove, and confirm the genuineness of the position of an official. Each document needs to be stamped by authorized people to allow for it to be recognized throughout the EU.

A lot of the time, the process is theoretically easy. You must submit the documents to get Global Affairs Canada. Every single document must get an official stamp if they are to be recognized. Once they are all stamped, you might have to submit them to the country’s embassy in Canada on where you are planning on going to in the EU so they can be legalized.

Conclusion

Although the process sounds easy, if you are an individual company wanting to do business in the EU, the process can cause a lot of stress. Trying to source the correct documentation and other paperwork might prove to be a lot more challenging than you initially thought. If you have invested heavily, and you are desperate to get to the EU as soon as possible, the process might take a lot longer if you plan on doing it all yourself.

There are plenty of agents out there that can help you through the entire process. They will review your documents before you hand them over to Global Affairs and the embassy, and they will be able to give you expert advice on the process. Experienced agents will understand the current requirements that the Global Affairs officials are looking for. Without having these documents organized before your trip who will struggle to do business in the EU. If you do business without having the paperwork on hand, you could find yourself in trouble with authorities in the EU, which will reflect badly on your business the next time you plan on working inside the European Union.

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Hungary: Reforms to raise productivity would strengthen recovery from COVID-19

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Hungary’s economy is emerging from the crisis caused by COVID-19, yet sustaining the country’s robust pre-pandemic levels of growth will require reforms to foster productivity and job creation, according to a new OECD report.

The latest OECD Economic Survey of Hungary says that with labour shortages being felt as the economy picks up, it is vital to invest in vocational training, digital skills and apprenticeships to match skills with market requirements. Improving transport links and the availability of housing would make it easier for workers in low-employment areas to take up jobs elsewhere. Creating a more competitive and transparent business environment and accelerating firms’ adoption of digital technologies would also bolster the recovery.

“Hungary’s economy was doing well before the crisis, and with external demand picking up, prospects for a solid recovery are good. It is important to use this period, and the forthcoming inflow of EU funds, to raise productivity and competitiveness to ensure a strong and lasting recovery,” said OECD Director of Economic Country Studies Alvaro Pereira, presenting the report alongside Hungary’s Secretary of State for Financial Policy Gábor Gion.

The COVID-19 crisis hit Hungary’s export-oriented economy hard, ending a period of steady growth over 2016-19 that lifted incomes and brought down the unemployment rate to a 30-year low. Policy support to workers and firms, and the swift rollout of vaccines, has smoothed the path to recovery, and the Survey projects growth of 4.6% in 2021 and 5% in 2022, following a drop of 5.1% in 2020. An annual injection of EU structural and Next Generation COVID recovery funds equivalent to around 3.5% of GDP in total from 2021 will support growth if invested well.

Short-term risks remain, such as the impact of a global shortage of semiconductors on Hungarian car production. Targeted support to households and businesses should be continued as long as is needed. Once the recovery is self-sustained, the focus should return to strengthening public finances ahead of looming increases in health and pension spending from an ageing population, the Survey says, including by completing an ongoing increase in the retirement age to 65 by 2022 and linking further increases to gains in life expectancy.


The ageing and shrinking workforce makes it urgent to raise labour productivity. In addition to strengthening vocational and tertiary education, it is key to produce more of the highly skilled engineers and ICT graduates that businesses increasingly demand. In this context, the Survey recommends making high-speed mobile Internet cheaper and helping firms to rapidly adopt digital technologies. Intensifying efforts to fight corruption, including continuing to strengthen the institutional framework, and ensuring the independence and accountability of the judicial system would improve the investment climate and support business dynamism.

Worker mobility could be enhanced by improving transport connections from rural areas into cities, modernising housing regulations to expand the private rental market, and easing some of the rigid licensing and certification requirements on professional occupations. Hungary could also consider increasing the duration of unemployment benefits from the current three months.

Finally, Hungary’s economy would benefit from a more growth-friendly tax structure. The Survey suggests continuing to reduce labour taxes and phasing out distortionary taxes on turnover in sectors like energy, finance and retail which hinder new entry and investment. This could be balanced by increasing consumption, property and environmental tax revenues, while simplifying the value-added tax system by moving to a lower but broader-based VAT rate.

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